Compare the Features and Benefits of Chase Ink Business Premier℠ Credit Card and
Marriott Bonvoy Business® American Express® Card

The Ink Business Premier credit card from Chase fits a specific target audience.

The businesses best suited for this card spend a very high amount monthly and want to simplify their spending. Especially if you have frequent charges over $5,000, that annual fee is paid for many times over by the extra 1/2 percent earned in cash back.

While it’s easy to get caught up in miles and points, if you are spending and earning more points than you can realistically spend, it’s not at all a bad idea.

However, if you want to earn transferable points, you would be better served by a Capital One Spark Cash Select. Alone, the Spark Cash is also just straight cash, but if you have a Venture, Venture X, or Spark Miles for Business card, you can convert the cash to miles.

If that’s not a concern, then the Chase Ink Business Premier is easily the very best business charge card out there. No other credit card or charge card will get you more cash back on purchases.

Many small business owners spend a ton on inventory monthly and could be earning huge amounts of cashback, but don’t have time to learn about miles and points. This business card is perfect for those small business owners. If purchases tend to be large purchases over $5,000 (which earn 2.5%) it becomes even better.

If you’re a business owner with a Marriott Bonvoy member account, there’s only one Marriott credit card that can deliver all the benefits you’re looking for. For Marriott perks galore, the Marriott Bonvoy Business Card is a stellar option. Better yet, its annual fee that pays itself for many small business owners who can take full advantage of the benefits offered by the card – especially that annual free night.

Let’s talk about how cardholders can earn and redeem Marriott Bonvoy points with the card. You’ll earn 6x points on eligible purchases at hotels participating in Marriott Bonvoy, and fortunately, there are more than 8,500 (and growing!) properties worldwide. The Bonvoy Business is one of our favorite business credit cards for small business owners that lean into Marriott for hotel stays.

You’ll also earn 4x bonus points per dollar of eligible purchases at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping, and 2x points on all non-bonus purchases. To tie it all together, there are no caps to the number of points you can earn from the card.

Marriott Bonvoy points are still incredibly versatile, as no other hotel chain can boast the sheer number of properties that participate in this loyalty program. Besides redeeming your Marriott Bonvoy points at hotels, you also have the flexibility to transfer them to participating airline loyalty programs and directly for eligible airfare and car rentals through Marriott’s unique Air+Car Transfer program.

Even if you decide to pay for your stay on your own accord, this business credit card unlocks a 7% room discount at participating properties. This can amount to significant savings depending on how often you’re staying at Marriott hotels.

What really makes this Marriott credit card stand out from the rest is the free nights you can earn with the card (though certain hotels have resort fees). With your card membership, you’ll pay the annual fee on every account anniversary, and in the following month you’ll receive a Marriott free night award. This has a redemption value of 35,000 points, or roughly $210 in value at hotels participating in this loyalty program. Plus, you can add on up to 15,000 of your own points if you’d like to use the certificate at a hotel costing between 25,000 and 50,000 points for the night.

You’ll get the chance to earn an additional free night award if you’re a high-roller and can meet the $60,000+ spend threshold per calendar year, and this is certainly doable for businesses with many expenses.

On site at Marriott hotels and resorts, you’ll be rewarded even further with automatic Gold elite status. You’ll earn 25% more Marriott points as a Gold member (on top of the card’s 6X earning rate!), as well as access to 2 p.m. late checkout (based on availability) and room upgrades. Finally, you’ll get premium room internet access, making sure you stay connected no matter where you’re traveling.

In sum, this long-list of perks makes it one of our favorite hotel business credit cards, as earning Marriott Bonvoy points can be easier than ever from your routine business expenses.

Marriott Bonvoy Business® American Express® Card Eligibility Rules

Note: There are some confusing eligibility rules around this card. If you have the Bonvoy American Express card, Ritz Carlton Card, Marriott Bonvoy Bevy® American Express® Card, or the Marriott Bonvoy Brilliant® American Express® Card, you are free to apply for this card.

If you have a Chase Marriott Boundless, Chase Bonvoy Bold, or Chase Bonvoy Bountiful, you will only be  eligible to apply for this card if it’s been more than 24 months since you received the bonus on that card.

Rates and Fees for the Marriott Bonvoy Business® American Express® Card